Bankruptcy Myth: If married, both spouses must file bankruptcy.
If you are married, you have the option of filing bankruptcy singly, so this myth is simply not true. The only involvement your spouse may have in your bankruptcy will be supplying information and financial documents, like paystubs. This may be especially true if the debt was incurred before you were married to your spouse. A spouse’s income will count towards your income for the purpose of income qualification for a Chapter 7 bankruptcy.
If there is any debt accrued during the marriage and are community property, a spouse still does not need to file bankruptcy with you. Community debts will be discharged as to your name. Your spouse will be protected from the collection on the debt as long as you remain married. Only if you get divorced may the creditor on these debts pursue your spouse for payment.